Senior Analyst - Credit Analysis

Overview

Senior Analyst, Credit Analysis role in the Credit Analysis team at First Citizens India, safeguarding the Bank's credit portfolio through monitoring, financial spreading, covenant tracking and reporting, working closely with U.S.-based Credit Officers and Portfolio Managers.

What you'll do

• Support ongoing monitoring of the assigned credit portfolio to identify potential risks and ensure compliance with loan agreements and risk policies.
• Monitor monthly/quarterly reporting packages from US counterparts for completeness of client information on the portal.
• Set up and upload new client information in the portal in line with the Loan Security Agreement; update modifications per Loan Modification Agreements.
• Spread and analyze borrower financial statements in Moody's CreditLens, identifying key trends, risks and opportunities.
• Track borrower compliance with financial and non-financial covenants, raising early alerts on potential breaches.
• Perform accurate and timely borrowing base calculations aligned with loan documentation and lending practices.
• Prepare recurring and ad-hoc reports on portfolio performance, sectoral trends and emerging risks.
• Support early identification of problem credits through financial deterioration, covenant breaches or industry headwinds.
• Partner with U.S. stakeholders across Credit and Operations to ensure consistent standards, accuracy and timeliness.
• Contribute ideas to enhance automation, standardization and efficiency in portfolio monitoring processes.
• Ensure high accuracy in all tasks, adhering to reporting, financial spreading and covenant calculation KPIs within agreed turnaround times.
• Report incidents of non-compliance (e.g., differences in client-provided financial statements) to the lead analyst/manager on a timely basis.
• Monitor tasks completed by other team members and support the manager in mentoring and training new hire analysts.

What you'll need

• Hands-on experience in spreading, covenant monitoring and credit reporting.
• Strong knowledge of corporate lending products, credit documentation and financial statement analysis.
• Excellent analytical, communication and stakeholder management skills.
• Ability to work independently while being an active team contributor.
• Efficient and well organized, able to work under tight deadlines, with outstanding attention to detail and ability to multitask.
• Ability to be flexible with shift timings (2 pm – 11 pm).
• Bachelor's degree in Commerce / MBA (Finance).
• 3–5 years of experience in credit analysis or portfolio monitoring in a bank, NBFC or financial services firm.
• Proficiency in MS Excel and financial analysis tools.

Nice to have

• Chartered Accountant / CFA / equivalent qualifications.
• Exposure to US accounting, GAAP and IFRS.
• Familiarity with SQL, Power BI and Tableau.

Details

• Location: Bengaluru, Karnataka.
• Role type: Hybrid.
• Shift timings: 2 pm – 11 pm.
• Individual contributor role, reporting to the Credit Analysis Manager, with ad hoc workflow management or support to team leaders/managers as warranted.